books http://www.wisebread.com/taxonomy/term/152/all en-US The 8 Classic Personal Finance Books You Must Read http://www.wisebread.com/the-8-classic-personal-finance-books-you-must-read <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-8-classic-personal-finance-books-you-must-read" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/piggy_bank_with_books_000060861670.jpg" alt="Classic personal finance books you must read" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Money conscious readers from all generations should brush up on their personal finance knowledge by adding some books on the subject to their summer reading list. Given that only 24% of Millennials are able to correctly answer four or five questions on five-question <a href="https://www.finra.org/sites/default/files/14_0100%201_IEF_Research%20Report_CEA_3%206%2014%20%28FINAL%29_0_0.pdf">financial literacy quiz</a>, they should especially make an extra effort to pick up personal finance books more often.</p> <p>Here are eight classic personal finance books that are still worth reading.</p> <h2>1. Rich Dad, Poor Dad</h2> <p>In 1999, personal finance author, Robert Kiyosaki self-published <a href="http://www.amazon.com/gp/product/1612680011/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1612680011&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=NPDRUSEI6ILRUE7S">Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!</a>, which eventually became a New York Times bestseller. The central premise of his book is the comparison between his biological father, a hard-working yet financially struggling individual, and his best friend's father, a rich man with a series of savvy investments.</p> <p>One of the main takeaways of <em>Rich Dad, Poor Dad</em> is the importance of developing entrepreneurship and financial aptitude to become financially independent. To achieve great wealth, Robert argues that you should look for passive and portfolio income instead of a traditional salary.</p> <h2>2. You've Earned It, Don't Lose It</h2> <p>Before her long string of bestsellers, such as <a href="http://www.amazon.com/gp/product/1594482241/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1594482241&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=R3AG77FISJ2GG7AA">The Money Book for the Young, Fabulous &amp; Broke</a>, Suze Orman started it all with <a href="http://www.amazon.com/gp/product/1557043167/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1557043167&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=2AZ6TRE3BTMZOLOO">You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire</a>, first published in 1995.</p> <p>The main appeal of Orman's first book is the simplicity of her eight-step process to successful retirement. For example, in step two, Orman discusses how to plan for early retirement while avoiding penalties for withdrawals. For each one of her steps she provides specific instructions and resources for more information. (See also: <a href="http://www.wisebread.com/the-5-best-pieces-of-financial-wisdom-from-suze-orman?ref=seealso">The 5 Best Pieces of Financial Wisdom From Suze Orman</a>)</p> <h2>3. The Wealthy Barber</h2> <p>Published in 1989, <a href="http://www.amazon.com/gp/product/0761513116/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0761513116&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=ECNKPUQ65QETQ4X6">The Wealthy Barber: Everyone's Commonsense Guide to Becoming Financially Independent</a> provides down-to-earth financial planning with a large dose of humor via Roy the barber, a fictional character created by the book's author David Chilton.</p> <p><em>The Wealthy Barber</em> teaches you good personal financial habits, such as paying off credit card balances every month and building an emergency fund with unexpected windfalls, that never go out of style. David stresses that you should be wary of get-rich-quick schemes and, instead, focus on long-term wealth building strategies.</p> <h2>4. Think and Grow Rich</h2> <p>Known as the &quot;Granddaddy of All Motivational Literature,&quot; Napoleon Hill was trying to figure &quot;What makes a winner?&quot; back in 1937. He found the answer by interviewing a long list of well-known successful and wealthy individuals, such as Henry Ford, Thomas Edison, John D. Rockefeller, and Charles M. Schwab, and putting it all together in <a href="http://www.amazon.com/gp/product/1604591870/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1604591870&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=25EA3QYCKA2ANUVG">Think and Grow Rich</a>.</p> <p>Based on his research, Napoleon put together the timeless Thirteen Steps to Riches philosophy on individual achievement. <em>Think and Grow Rich</em> doubles as great motivational book for aspiring entrepreneurs. &quot;You are the master of your destiny. You can influence, direct and control your own environment. You can make your life what you want it to be,&quot; encourages Napoleon.</p> <h2>5. The Richest Man in Babylon</h2> <p>Now here is a blast a from the past: George Clason's 1926 classic on personal finance, <a href="http://www.amazon.com/gp/product/0451205367/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0451205367&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=SW5PZF4COPMYRQS3">The Richest Man in Babylon</a> uses parables set in ancient Babylon to teach modern investors a thing or two about their finances.</p> <p>Several of George's lessons have been adapted by current financial advisors and investors. For example, <em>The Richest Man in Babylon's</em> &quot;Start thy purse to fattening&quot; has been adapted to &quot;<a href="http://www.wisebread.com/the-5-best-pieces-of-financial-wisdom-from-warren-buffett">pay yourself first</a>&quot; by Warren Buffett. Both the Oracle of Omaha and George Clason agree in that you don't save what is left after spending, you spend what is left after saving.</p> <h2>6. How to Win Friends &amp; Influence People</h2> <p>Since 1936, Dale Carnegie's classic has been passed on from generation to generation. My wife received this book from one of her architecture mentors, as did I from one of my business professors in college.</p> <p>More and more employers are looking not only for great academic or professional credentials but also for good personality traits. Professionalism, high-energy, and confidence are the top three personal traits employers hire most. <a href="http://www.amazon.com/gp/product/0671027034/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0671027034&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=4BU5IJPM5RM4MO5I">How to Win Friends &amp; Influence People</a> provides you useful techniques to develop these and other personal traits that make you more appealing to potential employers.</p> <h2>7. The Intelligent Investor</h2> <p>Warren Buffett is very public about his admiration for Benjamin Graham's <a href="http://www.amazon.com/gp/product/0060555661/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0060555661&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=AJ3A3CUHJLT7KL37">The Intelligent Investor: The Definitive Book on Value Investing</a>. Since its original publication in 1949, <em>The Intelligent Investor</em> has been a bible for value investors, who believe that &quot;Mr. Market is your servant, not your master.&quot;</p> <p>Be aware that Benjamin's classic doesn't provide techniques to pick &quot;hot stocks,&quot; instead it teaches you how to use discipline, research, and analytical ability to make sound investments in bargains relative to current asset value. This is a must-read for any investor regardless of their level expertise. You can take Mr. Buffett's word for it &mdash; he says it's &quot;by far the best book on investing ever written.&quot;</p> <h2>8. Beating the Street</h2> <p>There are very few investors that can give Warren Buffett a run for his money. One of them is the legendary ex-manager of Fidelity's Magellan Fund, Peter Lynch. (See also: <a href="http://www.wisebread.com/5-investors-with-better-returns-than-warren-buffett?ref=seealso">5 Investors With Better Returns Than Warren Buffett</a>)</p> <p>What makes Peter Lynch a great investor is not only his ability to run a large actively managed fund but also his talent to provide great investment advice in layman's terms. In 1993's <a href="http://www.amazon.com/gp/product/0671891634/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0671891634&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=EWGRFHY3UWDJ6WOA">Beating The Street</a>, Peter penned some of the most famous investment mantras, including &quot;Never invest in any idea you can't illustrate with a crayon&quot; and &quot;Gentlemen who prefer bonds don't know what they're missing.&quot;</p> <p><em>What are other classic personal finance books still worth reading?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/the-8-classic-personal-finance-books-you-must-read">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-financial-experts-people-in-their-40s-should-follow">5 Financial Experts People in Their 40s Should Follow</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-3-best-pieces-of-financial-wisdom-from-oprah-winfrey">The 3 Best Pieces of Financial Wisdom From Oprah Winfrey</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pieces-of-financial-wisdom-from-warren-buffett">The 5 Best Pieces of Financial Wisdom From Warren Buffett</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-money-moves-cpas-say-you-must-make">8 Money Moves CPAs Say You Must Make</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pieces-of-financial-wisdom-from-suze-orman">The 5 Best Pieces of Financial Wisdom From Suze Orman</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance advice books money reading Wed, 22 Jul 2015 13:15:15 +0000 Damian Davila 1493674 at http://www.wisebread.com The 3 Best Books to Start Investing Today http://www.wisebread.com/the-3-best-books-to-start-investing-today <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-3-best-books-to-start-investing-today" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_reading_000027426724.jpg" alt="Man reading three books every beginner investor should read" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most of us want to start investing. And why not? It can make you solid returns, and it looks easy enough, right? But many beginners make the mistake of rushing into stock investing without properly educating themselves on the subject. Your best strategy is to get educated ASAP, and checking out these three books for <a href="http://www.wisebread.com/the-4-best-investments-for-lazy-investors">beginning investors</a> is a great start.</p> <h2><em>One Up on Wall Street, </em>Peter Lynch</h2> <p>The subtitle of this book tells it all: <em>How to Use What You Already Know to Make Money in the Market</em>. In <a href="http://www.amazon.com/gp/product/0743200403/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0743200403&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=2VO2GCZVK5MXJ5SG">One Up on Wall Street</a>, Fidelity Investments legend Peter Lynch uses an easy-to-follow approach to show readers that you, too, can make money in the market without all the fancy degrees and investment expertise. Learning to read company financials is certainly a mind-numbing experience, but Lynch cuts to the chase and teaches you what you need to know. His wisdom shows readers that all you have to do is invest in the companies and products you already use and know.</p> <h2><em>The Intelligent Investo</em>r, Benjamin Graham</h2> <p>Even Warren Buffet opines that Graham's work is, &quot;By far the best book on investing ever written.&quot; And <a href="http://www.amazon.com/gp/product/0060555661/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0060555661&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=RSUBJGQXKOOXSUZU">The Intelligent Investor</a>, written in 1949, certainly doesn't disappoint. While this book is more technical than <em>One Up on Wall Street</em>, its solid advice to beginners makes it a must on any bookshelf.</p> <p>Graham is interested in what he calls &quot;value investors,&quot; who aren't into speculation or day-trading, but rather willing to learn about stock investing from the ground up, and follow a well-rounded and consistent investment strategy. His book marks a departure from other investment books, mainly because his approach is about limiting losses more than maximizing profits. That's counter-intuitive advice for many.</p> <h2><em>How to Make Money in Stocks,</em> William J. O'Neil</h2> <p>Although more technical than the first two books, <a href="http://www.amazon.com/gp/product/0071752110/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0071752110&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=AVVVVP2EGZ2HCYW3">How to Make Money in Stocks</a> lays out a seven-step plan, CAN SLIM, for minimizing risk and maximizing gain. Stock charts are not an easy read. Full of lines, numbers, and information, stock chart reading is normally reserved for the savvy investor. However, with this book, you can learn how to spot profitable trends in charts. But this book is not just about stock investing &mdash; there's also a thorough discussion on how to use the teachings to score deals in mutual funds and <a href="http://www.wisebread.com/commission-free-etfs-a-great-option-for-cost-conscious-investors">exchange-traded funds</a> (ETFs).</p> <p>O'Neil's information is not for the faint of heart, and it'll take time to really digest and implement his teachings. His seven-step formula is very specific, but will turn you into a great technical stock evaluator along the way.</p> <p>These three books comprise a great starting library for any beginning investor. Start with <em>One Up On Wall Street</em>, and then make your way through the rest. Comparing and contrasting the three will give you a solid base for investing that you can use for a lifetime.</p> <p><em>What investing books do you recommend beginners use?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/shannah-game">Shannah Game</a> of <a href="http://www.wisebread.com/the-3-best-books-to-start-investing-today">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-7-most-successful-women-investors">The 7 Most Successful Women Investors</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/book-review-full-of-bull-do-what-wall-street-does-not-what-it-says-by-stephen-mcclellan">Book Review: Full of Bull - Do What Wall Street Does, Not What it Says by Stephen McClellan</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/book-review-game-over">Book review: Game Over</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-of-the-coolest-sayings-about-investing">14 of the Coolest Sayings About Investing</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-the-most-of-your-401K">How to Make the Most of Your 401K</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment benjamin graham books investing peter lynch reading Wall Street william j. o'neil Mon, 01 Jun 2015 11:00:08 +0000 Shannah Game 1437166 at http://www.wisebread.com 21 Perfect Holiday Gifts for Book Lovers http://www.wisebread.com/21-perfect-holiday-gifts-for-book-lovers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/21-perfect-holiday-gifts-for-book-lovers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman-reading-happy-160407385-small.jpg" alt="woman reading happy" title="woman reading happy" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's that time of year again. Yup, time to find a gift that isn't a book for your friendly, neighborhood book lover. Because everyone else will give him books this year, and you want to stand out.</p> <p>Stumped? It's not hard. Here are some great gift ideas for that literary person you love.</p> <h2>1. Privacy Mug</h2> <p>Most book lovers, at one point or another, just want everyone to go away and let them read. This makes the <a href="http://www.theliterarygiftcompany.com/go-away-im-reading-bone-china-mug-1185-p.asp">&quot;Go Away, I'm Reading&quot; mug</a> certain to be a hit with anyone who truly loves to read. Your book lover will thank you! (And then, probably, ask you to go away.)</p> <h2>2. Chocolate Books</h2> <p>Love books? Love chocolate? Then these <a href="http://bridgebrandschocolate.com/bookloversgiftset.aspx">chocolates decorated to look like vintage books</a> might be perfect. Be careful if you want your book lover to share, though &mdash; these can hide in plain sight on the nearest bookshelf!</p> <h2>3. Board Games</h2> <p>You might never have guessed it, but there's <a href="http://flavorwire.com/363897/10-literary-board-games-for-book-nerds/view-all">a board game for every book</a> (well, for <em>many</em> books). If you know someone who likes both, or if you love games, and you've been trying to get a bookish friend to play, choose the game that most closely corresponds with their reading interests and then offer to help them learn to play!</p> <h2>4. Banned Books Art Print</h2> <p>For a book lover banning books is akin to banning something essential for life, like breathing or chocolate. This print lists many of the most <a href="https://www.etsy.com/listing/177177502/read-banned-books-art-print-list-of">well-known banned books</a>, so your book lover can celebrate freedom and check them off as he goes.</p> <h2>5. Book Staircase Stickers</h2> <p>Would your book loving friend would like to think about books all the time? Then decals for their stair risers will be a huge hit. You can choose <a href="https://www.etsy.com/listing/123783642/book-decals-for-stair-risers?utm_source=google&amp;utm_medium=product_listing_promoted&amp;utm_campaign=everything_else-custom-decal-low&amp;ione_adtype=pla&amp;ione_creative=54907320155&amp;ione_product_id=123783642&amp;ione_product_partition_id=89337449795&amp;ione_store_code=&amp;ione_device=c&amp;ione_product_channel=online&amp;ione_merchant_id=101431921&amp;ione_product_country=US&amp;ione_product_language=en&amp;gclid=CjwKEAiAnLGjBRCk_I-y_4iAmB0SJADGjWWzipAMxZ5DPkVwGnjG4lolROArQPMSGYh185RI7ml8cBoCTZzw_wcB">these</a>, where each stair is a separate book, or <a href="http://tradingphrases.com/book-stairs.html?gclid=CjwKEAiAnLGjBRCk_I-y_4iAmB0SJADGjWWzsJu-SKPA_VbtLbAuQo7qkNsaH3gpn9PFF405kmhPjhoC52Xw_wcB">these</a>, where each stair looks like an art-deco bookshelf.</p> <h2>6. Beautiful, Classic Books</h2> <p>Penguin has <a href="http://www.penguin.com/static/pages/classics/penguindropcaps.php">reissued 26 classic books</a> &mdash; one for each letter of the alphabet &mdash; with gorgeous and unique covers. Buy your book lover the book that corresponds with a special letter (like the first letter of their last name), or start with A and buy all the way through to Z. Then you'll have gifts for the next several holiday seasons, at least.</p> <h2>7. New Book Smell In a Can</h2> <p>New books just have that smell. If you're a reader, you know exactly what I mean. It's only the world's most perfect scent &mdash; and now it's <a href="http://smellofbooks.com/aromas/new-book-smell/">available in a can</a>. Let your book lover smell his or her very favorite scent in all the world whenever he or she wants. It's a gift that keeps on giving.</p> <h2>8. The Reader's Nightstand</h2> <p>Does your book lover have stacks upon stacks of books piled next to bed? Do you wonder, sometimes, if you'll find them smashed under those stacks of books someday? Never fear, the <a href="http://www.brookstone.com/readers-end-table?bkiid=Cross_Sell_Zone%7CProductDetails%7CConsiderationProducts%7C892335p">Reader's End Table</a> and Nightstand are here. These are designed to hold stacks of books in a way that will not only allow your reader easy access to titles, but just might save their life.</p> <h2>9. A Literary Calendar</h2> <p>Most readers love having quotations from their favorite books right at hand. Combine those with some gorgeous illustrations, and <a href="https://www.etsy.com/listing/209307560/2015-calendar-literary-calendar-wall?ref=shop_home_active_1">this literary calendar</a> will keep your book lover happy all year long. If a calendar isn't your thing, the same shop sells all sorts of paper goods and even posters with the same quotations and designs.</p> <h2>10. Vintage Book of the Month Club</h2> <p>Does your book lover like old books? Find a <a href="https://www.etsy.com/listing/170607653/vintage-book-of-the-month-club-12?ref=sr_gallery_3&amp;ga_search_query=book+of+the+month+club&amp;ga_vintage_rewrite=vintage+book+of+the+month+club&amp;ga_original_query=2&amp;ga_search_type=vintage&amp;ga_view_type=gallery">vintage book of the month club</a> on Etsy and sign them up. Some of the clubs will specify books from a certain era, so you can dial in even more specifically on a gift that will make your book worm happy.</p> <h2>11. A Lililite</h2> <p>When it comes to reading in bed, <a href="http://www.lililite.com/">this is the coolest thing <em>ever</em></a>. You can stack your books on it. You can turn on the light and it shines right where you need it to. Then, when you're done with your book, you simply place your still open book on top of the light. It keeps your place, and the light turns off. Trust me, no bookworm loves getting out of bed to turn off the light, or constantly adjusting it to keep it in the right place. This is an amazing gift.</p> <h2>12. A Map of Bookish Locations</h2> <p>The streets, parks, buildings &mdash; everything &mdash; on <a href="http://www.wearedorothy.com/shop/book-map-original-open-edition">this book map</a> come from classic literature. Over 600 books are referenced on this display-worthy map, so in addition to being a piece of artwork that your book lover will adore, it can also be an ongoing game of trivia between book-loving friends.</p> <h2>13. A Shirt That Tells the Truth</h2> <p>Most book lovers spend quite a bit to feed their book habit, and they're fairly unapologetic about it. Even bookworms who utilize the library end up buying most of the books they really love. So help them fly their bookish flag high with <a href="http://www.missionalwear.com/proddetail.php?prod=ERAS01gl">a shirt that declares their priorities</a> loud and clear.</p> <h2>14. A Library Embosser</h2> <p>When a book lover lends out a book, he wants it back. One way to make that more likely is for him to put his name in his books, but that can be messy and mar the look of the book. Enter <a href="http://www.horchow.com/Library-Embosser/cprod56630002/p.prod">the embosser</a>. Simply have a plate made with his name on it, and he can press his name into the pages of his books, rather than writing it.</p> <h2>15. What I'm Reading Mug</h2> <p>Yes, yes, it's another mug. But many book lovers like to have coffee, tea, hot chocolate, or some other warm beverage while they're reading, so mugs really are a perfect gift. And <a href="http://upstartpromotions.com/upstart/search/chalkboard%20mug/Today-Irsquom-Reading-Chalkboard-Surface-Mug-c_147310/">this mug, with it's chalkboard surface</a>, allows your favorite reader to declare to the world what they're reading (so you don't have to interrupt them to ask!).</p> <h2>16. A Postertext Print</h2> <p>The people at Postertext clearly love books. They've taken text from classics and made <a href="http://postertext.com/collections/all">exquisite posters</a> out of them, using the words to fill in a scene from a book. These are both lovely and fun, and would make the perfect gift for a reader who wants to display their love of books in a classy new way. Choose from quotes from many books and frame it for an even nicer gift.</p> <h2>17. A Pack of Library Checkout Cards</h2> <p>Many readers feel nostalgic for the days when card catalogs weren't online and books were checked out with library cards. Tap into this and get your bookwork <a href="http://pinkolive.com/assorted-library-card-set.html">their own set of library library cards</a>. They can use them to check out their own books, decorate with them, use them as bookmarks, and more!</p> <h2>18. A T-Shirt That Makes Readers Into Superheros</h2> <p>Anyone who loves books will tell you that reading is very, very good, that it helps them grow and makes them stronger, better people in this sometimes evil world of ours. Acknowledge that <a href="http://www.cafepress.ca/mf/20463030/fightevilblackpng_tshirt">reading is, in fact, a superpower</a>, with this t-shirt. &quot;Fight evil, read books.&quot;</p> <h2>19. The Storybook Rug</h2> <p>Is your bookworm in need of a place to curl up and read? <a href="http://www.mymodernmet.com/profiles/blogs/the-storybook-rug">This rug</a> just might be the perfect addition to her home, then. It looks like a book and says &quot;Once upon a time&quot; on one page and &quot;Happily ever after&quot; on the other. And it also looks so soft and comfy!</p> <h2>20 A Kindle Paperwhite</h2> <p>There's a lot of disagreement about what makes the perfect ereader, but I think <a href="http://www.amazon.com/Kindle-Paperwhite-Touch-light/dp/B007OZNZG0/ref=sr_tr_sr_1?ie=UTF8&amp;qid=1352830149&amp;sr=8-1&amp;keywords=kindle">the Kindle Paperwhite</a> comes close. I love the fact that it is glare-free, and that it does its one thing really, really well. It's not a smartphone and it's not a tablet, but it's a killer ereader. Combine it with <a href="http://www.amazon.com/gp/product/B00BBER4H6/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00BBER4H6&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=JDYIIURVFM6226B6">a solar charger</a>, and your bookworm can read anywhere!</p> <h2>21. Time to Read</h2> <p>No link here &mdash; sorry folks. But one of the best gifts you can give a reader is, quite simply, time to read. Maybe you can give your bookish friend a night or even a weekend away, where he or she can take books and read to their heart's delight. If you can't do that, you can fund an afternoon at a local coffee shop, where they can while away the hours with their favorite works of literature.</p> <p><em>What do you buy for your book loving friends? And what's the best bookish gift you've received?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/21-perfect-holiday-gifts-for-book-lovers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/80-stocking-stuffer-ideas-for-10-or-less">80 Stocking Stuffer Ideas for $10 or Less</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-buy-and-avoid-buying-in-december">What to Buy (and Avoid Buying) in December</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/holiday-gifts-for-your-co-workers">20 Gift Ideas for Your Co-Workers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-holiday-gifts-to-give-the-neighbor-you-like">9 Gifts to Give the Neighbor You Like</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-great-diy-gifts-for-geeks">15 Great DIY Gifts for Geeks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living books buying guide gifts holiday shopping guide product reviews Thu, 04 Dec 2014 23:00:17 +0000 Sarah Winfrey 1096692 at http://www.wisebread.com 12 Awesome Things You Didn't Know You Could Get at the Library http://www.wisebread.com/12-awesome-things-you-didnt-know-you-could-get-at-the-library <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-awesome-things-you-didnt-know-you-could-get-at-the-library" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/library-computers-483047955-small.jpg" alt="library computer" title="library computer" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Did you know there are more public libraries in the <a href="http://www.ala.org/offices/sites/ala.org.offices/files/content/QF2012_annotatedFINAL_2.pdf">U.S. than there are McDonald's locations</a>? At last count, over 16,766. And what's more, the library system is getting used more and more by the general public these days. That's hardly surprising, considering the economic climate and less disposable income available for books. (See also: <a href="http://www.wisebread.com/free-books-little-libraries-that-build-community-and-save-you-money?ref=seealso">Free Books: Little Libraries That Build Community and Save You Money</a>)</p> <p>But that word, books, is something of a misnomer. To equate a library with only books is like saying you can only get a cheeseburger at the aforementioned fast food chain. The fact is, our public libraries have been doing an incredible job of keeping up with the times, and they have way more to offer than simply books and reference materials.</p> <h2>1. Streaming Music and Movies</h2> <p>You think Netflix, Pandora, and Hulu are cool? Well, your library has its own version, only you don't pay one cent to stream the titles. You just need to install the apps, and have a current library card. The most popular one right now is called <a href="https://www.hoopladigital.com/home">Hoopla</a>, and it's awesome. All genres are covered, and there are several new releases. You can borrow up to five titles at one time, and stream them straight to your tablet, smart phone, or computer. Isn't technology awesome?!</p> <h2>2. Tax Forms</h2> <p>As well as the post office and some larger grocery stores, libraries have a full stock of the most popular tax forms in the runup to the April deadline. They also have the tax instructions booklets at hand as well. And while librarians are not qualified tax accountants, some will offer you basic advice.</p> <h2>3. Instant Audio Books</h2> <p>You are most likely aware of the massive array of books on CD, tape, and MP3 players at your library. They have both fiction and nonfiction titles. But did you know you can know stream audio books over your smartphone? You don't even have to go into the library. Simply request the title and when it's available (often, there's no wait at all), you will be given a download link. You will have to use an official piece of third-party software, such as <a href="https://www.overdrive.com/">Overdrive</a>, but that's all there is to it. The book plays through your phone, and you have access to it for at least two weeks.</p> <h2>4. The Latest Movies on DVD and Blu-ray</h2> <p>As well as a having thousands of older movies, libraries stock the latest releases on both DVD and Blu-ray. Of course, there are some savvy library users who know this, and reserve them months ahead of time. So if you want to get hold of a copy as soon as it's available, become one of the smart users who signs up early. Every public library has a website that enables you to reserve or &quot;hold&quot; the latest titles. Get your name in the system early, or you will be number 432 in line.</p> <h2>5. Coffee, Snacks, and Milkshakes</h2> <p>These days, libraries know that people will want to sit and read a lot of the information they have (and quite a lot of it cannot leave the library). So, they have started to provide beverages and snacks at reasonable cost. You can't just start swigging coffee in the middle of the fiction section; they usually have designated dining areas. But, you can definitely bring your reference book or magazine to that section and enjoy it whilst sipping on a latte and eating a muffin.</p> <h2>6. Museum Passes</h2> <p>The next time you want to take the family (or just yourself) to the local museum, take a trip to your local library first. Many libraries around the country are now participating in the museum pass program, which pairs them up with local museums. The libraries have a limited number of passes every month, so they're given out on a first come, first served basis. Ask your local library for details. Remember, different libraries have different passes and different lending rules, so if one library doesn't have what you're looking for, try another.</p> <h2>7. Vintage Photographs</h2> <p>Many libraries have old and rare photographs in their archives, and you are more than welcome to look through them. Usually, they will be related to the state you're in, but as this is the digital world, many libraries have the information available online. For starters, here is the <a href="http://digitalgallery.nypl.org/nypldigital/index.cfm">New York Public Library's</a> photo database. It contains over 800,000 images for you to search through!</p> <h2>8. Family Tree Archives</h2> <p>Are you interested in tracing your lineage? Well, make your first port of call your local library. It can be expensive to sign up to genealogy websites, but many <a href="http://www.nysl.nysed.gov/gengen.htm">libraries</a> have access to them, and will in turn give you access to the massive searchable databases. If you find out you're related to royalty, make sure you still come back and visit us, ok?</p> <h2>9. The Latest Magazines</h2> <p>A single issue of a magazine can run you anywhere from $3 to $10 (sometimes more if you are interested in international periodicals). Buying a few of these every month can get expensive. Your local library will have copies of dozens of the latest magazines for you to read. Everything from consumer reports to home and garden and fishing, all free and waiting to be read.</p> <h2>10. Meeting Rooms</h2> <p>Do you have a group of friends or colleagues that require a weekly place to meet and chat? If your home isn't available, try the local library. They have several meeting rooms available that can be booked by the hour. Sometimes book clubs meet there, on other occasions it's chess clubs, study groups, or even <a href="http://www.games-workshop.com/Warhammer">War Hammer</a> societies. They don't have to be related to books or reading; it's a community service, and you're part of the community.</p> <h2>11. Tools</h2> <p>Really? Well, not every library has its own Home Depot section, but it's starting to catch on. Library members can check out tools the same way they would check out books or DVDs. The list of rules and regulations is a little more rigid (<a href="http://www.berkeleypubliclibrary.org/locations/tool-lending-library/tool-lending-library-how-use-it">see this one from Berkeley</a>) but the basic idea is the same; free tools for members, for a week or two.</p> <h2>12. Musical Instruments</h2> <p>Interested in learning the violin or playing the piano? Your local library could be a great place to begin. As well as having a lot of musical instruction books and videos on the shelves, they could also have a supply of instruments to check out. From keyboards and drums to stringed instruments, you'd be amazed. <a href="http://www.aadl.org/catalog/search/callnum/music%20tools?page=3">AADL even has guitar pedals</a>.</p> <p><em>Does your local library offer more cool stuff? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/12-awesome-things-you-didnt-know-you-could-get-at-the-library">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/free-books-little-libraries-that-build-community-and-save-you-money">Free Books: Little Libraries That Build Community and Save You Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/help-yourself-to-amazing-photos-from-the-library-of-congress">Help yourself to amazing photos from The Library Of Congress</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-you-getting-these-5-things-for-free">Are You Getting These 5 Things for Free?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-tips-to-get-the-most-out-of-a-library-sale">5 Tips to Get the Most Out of a Library Sale</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/book-review-happier">Book review: Happier</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips books free movies free stuff libraries sharing Thu, 21 Aug 2014 17:00:07 +0000 Paul Michael 1190039 at http://www.wisebread.com 6 Personal Finance Books You Should Read http://www.wisebread.com/6-personal-finance-books-you-should-read <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-personal-finance-books-you-should-read" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/bookstore-452406305-small.jpg" alt="bookstore" title="bookstore" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>Trawl Amazon or the shelves of any bookstore and you will find a myriad of options when it comes to personal finance. It can be difficult to distinguish between them. Here's a list of six top-notch personal finance reads that make the cut. (See also: <a href="http://www.wisebread.com/17-more-places-to-buy-sell-and-trade-books?ref=seealso">17 Places to Buy, Sell, and Trade Books</a>)</p> <h2>1. Why Didn't They Teach Me This in School? Personal Money Management Principles to Live By</h2> <p>The author wrote this book for his five children when he realized that personal finance skills weren't being taught in high school, college, or MBA programs. When he looked for books on the subject to give to his kids, what he found were boring and lengthy reads that would never hold their attention. <a href="http://www.amazon.com/gp/product/B00C5UM9MA/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00C5UM9MA&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=INT3OMWNQXOL4KKU">Personal Money Management Principles to Live By</a> fills that niche with 99 practical, actionable, memorable, and thoughtful principles.</p> <h2>2. The Money Book for the Young, Fabulous, and Broke</h2> <p>I bought and read <a href="http://www.amazon.com/gp/product/B000PC71Q4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000PC71Q4&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=XUM55DVFZZQFOMQU">The Money Book for the Young, Fabulous, and Broke</a> when I graduated from my MBA program and was $100,000 in debt at the height of the most recent recession. I didn't know where to start to begin tackling my financial goals from my existing financial situation. Suze Orman provides a step-by-step guide in this book and on the accompanying website that helped me get on the path to financial freedom. I don't know what I would have done without this one!</p> <h2>3. Your Money: The Missing Manual</h2> <p>J.D. Roth was deep in debt and his financial life was in shambles. He made a personal commitment to learn everything he could about personal finance and turn around his life, personally and financially. He started the popular blog <a href="http://www.getrichslowly.org/">Get Rich Slowly</a> to share everything he was learning. In the process, he became an accidental personal finance expert. In <a href="http://www.amazon.com/gp/product/B003QMLBR0/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B003QMLBR0&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=F5A3NRCWSAXOSW4H">Your Money: The Missing Manual</a> he shares all of the missing links that he learned that led him out of financial ruin and into financial success.</p> <h2>4. Get a Financial Life: Personal Finance in Your Twenties and Thirties</h2> <p>Beth Kobliner offers smart financial advice to help people get started on the path to personal financial stability. From insurance to saving to taxes to investing to protecting yourself from identity theft, <a href="http://www.amazon.com/gp/product/B001UP63MS/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B001UP63MS&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=AFQPWPNAEQKB5OOF">Get a Financial Life</a> is an excellent, well-rounded guide. Though written for those in their 20s and 30s, anyone at any age would benefit from its advice.</p> <h2>5. Personal Finance Simplified: The Step-by-Step Guide for Smart Money Management</h2> <p><a href="http://www.amazon.com/gp/product/B00IMQG9XQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00IMQG9XQ&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=7IDFWMHFNTRLMA4H">Personal Finance Simplified</a> is a solid read for anyone at any phase of life because it takes you through personal financial decisions to make from graduating college, to changing careers, to growing your family, to retirement. It really gets at the idea of why taking action now is so critical for our futures. It includes tips on budgeting, spending, saving, and debt payments, paying taxes, and building equity.</p> <h2>6. Why Smart People Make Big Money Mistakes and How to Correct Them: Lessons from the Life-Changing Science of Behavioral Economics</h2> <p>We all have blind spots, and that's especially true when it comes to money. In <a href="http://www.amazon.com/gp/product/1439163367/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1439163367&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=7CCOP7SSOOVSRNQ2">Why Smart People Make Big Money Mistakes</a>, authors Gary Belsky and Thomas Gilovich help us understand who we are and why we spend, save, borrow, invest, and waste money. They show us why money makes us behave irrationally, and then they provide us with strategies and tactics to help us make strong financial choices.</p> <p>Knowledge is power, and that's especially true when it comes to your finances. These six books will help you understand money so that you feel empowered to make the best personal financial choices to live the life you want to live.</p> <p><em>Do you have any favorite personal finance books? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/6-personal-finance-books-you-should-read">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-places-to-get-free-personal-finance-classes">10 Places to Get Free Personal Finance Classes</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-personal-finance-lessons-women-learn-in-their-20s">8 Personal Finance Lessons Women Learn in Their 20s</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/21-things-that-young-adults-absolutely-need-to-know-about-money">21 Things That Young Adults Absolutely Need to Know About Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-8-classic-personal-finance-books-you-must-read">The 8 Classic Personal Finance Books You Must Read</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-kids-can-teach-us-about-money">12 Ways Kids Can Teach Us About Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance books education finance books money lessons Tue, 15 Jul 2014 13:00:04 +0000 Christa Avampato 1157885 at http://www.wisebread.com Ask the Readers: Do You Prefer Ebooks or Printed Books? http://www.wisebread.com/ask-the-readers-do-you-prefer-ebooks-or-printed-books <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-do-you-prefer-ebooks-or-printed-books" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/book-450799259.jpg" alt="book and tablet" title="book and tablet" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to <a href="http://www.wisebread.com/ask-the-readers-do-you-prefer-ebooks-or-printed-books#comment-741281">Ashleigh</a>, Elizabeth, and Lynda for winning this week's contest!</em></p> <p>There are many great things about ebooks, and there are many redeeming qualities of a printed tome. Ebooks are relatively cheap, paper-free, and easy to take where you go. Traditional books, as physical objects, are easier to share &mdash; and many people simply enjoy the tactile experience. It really depends on how you like to read.</p> <p><strong>Do you prefer ebooks or printed books?</strong> What are your reasons? Are there certain situations where you would grab a printed book, and others where you would download a digital version?</p> <p>Tell us how whether you prefer ebooks or printed books and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win!</p> <h3>Mandatory Entry:</h3> <ul> <li>Post your answer in the comments below. One commenter will win a $20 Amazon Gift Card!</li> </ul> <h3>For extra entries:</h3> <ul> <li>You can tweet about our giveaway for an extra entry. Also, our Facebook fans can get an extra entry too! Use our Rafflecopter widget for your chance to win one of the other two Amazon Gift Cards:</li> </ul> <p><a id="rc-79857d77" class="rafl" href="http://www.rafflecopter.com/rafl/display/79857d77/" rel="nofollow">a Rafflecopter giveaway</a></p> <script src="//d12vno17mo87cx.cloudfront.net/embed/rafl/cptr.js"></script></p> <p><strong>If you're inspired to write a whole blog post OR you have a photo on flickr to share, please link to it in the comments or tweet it.</strong></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, February 17th at 11:59 p.m. Pacific. Winners will be announced after February 17th on the original post. Winners will also be contacted via email.</li> <li>You can enter all three drawings &mdash; once by leaving a comment, once by liking our Facebook update, and once by tweeting.</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.</li> <li>You must be 18 and US resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong></p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us how whether you prefer ebooks or printed books and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-do-you-prefer-ebooks-or-printed-books">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-200-giveaway-what-does-corporate-social-responsibility-mean-to-you">Ask the Readers $200 Giveaway: What Does Corporate Social Responsibility Mean to You?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-what-motivates-you-chance-to-win-20">Ask the Readers: What Motivates You? (Chance to win $20!)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-what-is-your-dream-job-0">Ask the Readers: What is Your Dream Job?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-should-kids-get-paid-for-doing-chores">Ask The Readers: Should Kids Get Paid For Doing Chores?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-how-did-you-spend-your-first-paycheck">Ask the Readers: How Did You Spend Your First Paycheck?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways Ask the Readers books eBooks Tue, 11 Feb 2014 11:36:32 +0000 Ashley Jacobs 1124505 at http://www.wisebread.com 18 Cheap and Attractive Ideas for Bookshelves http://www.wisebread.com/18-cheap-and-attractive-ideas-for-bookshelves <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/18-cheap-and-attractive-ideas-for-bookshelves" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/books-2505662-small.jpg" alt="man surrounded by books" title="man surrounded by books" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Recently I decided to get rid of my books, moving most of my collection into banker's boxes and stacking them in the office closet and the garage. Eventually I will move those along to a library that'll take them, or give them away as door prizes, or maybe send some to be scanned, digitized, and pulped. (See also: <a href="http://www.wisebread.com/free-books-little-libraries-that-build-community-and-save-you-money">Free Books: Little Libraries That Build Community and Save You Money</a>)</p> <p>But I haven't been able to part with all of them. There's still the &quot;Read Next&quot; shelf, the &quot;Try to Finish It One Day&quot; shelf (some dense Delillos and Pynchons live there), and several &quot;All Time Favorite&quot; shelves holding books that I often leaf through and still enjoy. Plus a couple of shelves of reference books and how-tos. Oh, and some cookbooks.</p> <p>So I still have plenty of books, and that means I need a way to display and store them. Cheaply. And attractively.</p> <h2>1. An Old Ladder</h2> <p>This looks daunting, but doesn't require too many DIY skills. <a href="http://dandelionexpress.wordpress.com/2012/02/22/cheap-diy-antique-ladder-shelf/">Mount &quot;L&quot; brackets to the wall</a>, attach your old wooden ladder, and then arrange your books.</p> <p><img width="605" height="303" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/ladder-3452095-small-ggnoads.jpg" /></p> <h2>2. Ladders and Boards</h2> <p>I saw a lot of these during my search for interesting bookshelves, and frankly I'm underwhelmed. It's a clever use of materials: a ladder (or two ladders side-by-side), <a href="http://www.apartmenttherapy.com/a-gazillion-use-125302">shelves supported by the ladder rungs</a>. But it takes up so much room and looks messy and cluttered.</p> <p>This version, however, is a big improvement. It's a ladder, <a href="http://lesserevillife.com/wp-content/uploads/2012/06/ladder-shelves.jpg">mounted upside-down on the wall</a>, with the shelves once again resting on the rungs. Simple and elegant, and cheap depending on how you source the materials</p> <h2>3. A Book</h2> <p>Mount some &quot;L&quot; brackets to the wall (dress it up by mounting an attractive board to the wall first, then mount the brackets to <em>that</em>), <a href="http://www.instructables.com/id/Invisible-Book-Shelf/">then mount an old, thrift-store hardback to your brackets</a>. Stack your books or knick-knacks on your &quot;book&quot; shelf.</p> <h2>4. Skateboards</h2> <p>You could store <a href="http://www.instructables.com/id/Skateboard-Bookshelf/">your old skate punk CDs here</a>, your old Tony Hawk game cartridges, or a first aid kit.</p> <p><img width="605" height="303" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/skateboard-iStock_000008646610Small-ggnoads.jpg" /></p> <h2>5. Stacked Tables</h2> <p>Cut an old coffee table in half, <a href="http://style-files.com/2007/10/02/bookshelf-made-from-two-vintage-tables/">stack the two halves against a wall</a> (&quot;L&quot; brackets, again, or a French cleat), and then pile on the books. Or go another couple of shelves higher with a smaller table cut in half.</p> <h2>6. Boards and Bricks</h2> <p>A classic, like blue jeans, and the <a href="http://www.apartmenttherapy.com/how-to-make-a-brick-and-board-92994">DIY bookshelf against which all others are measured</a>. Support the shelves with bricks (new or used), cinder blocks, blocks of wood, or even other books. These can be as rustic or as elegant as you like, depending on the raw materials. Once I tried to impress a girl with my handyman skills by creating a set of these for her apartment. They supported her books well enough, and that's as far as that went.</p> <h2>7. Bottles and Boards</h2> <p>This is a twist on the boards and bricks theme <a href="http://www.instructables.com/id/Ten-Green---modular-shelving/">that replaces bricks with bottles</a>. A little more handiwork is required &mdash; measuring and drilling, instead of just stacking and stacking.</p> <h2>8. Ropes and Boards</h2> <p>Most bookshelves rest confidently on the floor. These <a href="http://theruncible.wordpress.com/2011/08/10/hanging-bookshelves/">dangle from the ceiling</a>. I'd worry about knocking into them and dumping my books onto the floor, but maybe with some tension in the ropes (by attaching to the floor or brackets mounted in the wall, as with the example here), one could keep the jostling to a minimum.</p> <h2>9. Leather Belts and Boards</h2> <p>Another in the dangling book genre, <a href="http://www.poppytalk.com/2012/04/clever-leather-book-shelf.html">this design uses old leather belts and straps</a> to suspend the shelves. These seem more decorative than practical (wouldn't it be a pain to reach around those straps for your tomes?).</p> <h2>10. Board and Brackets</h2> <p>You've seen those &quot;<a href="http://chewbrew.com/2008/04/08/the-ladder-bookshelf/">ladder bookshelves</a>&quot; that lean against a wall? This is like those, but <a href="http://www.creativehomelife.com/studio-ve-bookshelf.html">it's a single wide board with metal brackets for shelves</a>. That second link is to a high design (and probably high dollar) example, but one could easily DIY this.</p> <h2>11. Boxes and Binder Clips</h2> <p>Stacks of plywood wooden boxes, in various, complementary sizes, <a href="http://www.handmadecharlotte.com/easiest-diy-bookshelves-ever/">held together with common binder clips</a>. This design has a lot going for it: it's cheap; it's relatively easy to DIY; it's elegant. Make it even more awesome by cutting handholds in two of the sides; then you could use your boxes to carry your books around, too.</p> <h2>12. Milk Crates</h2> <p>It was <a href="http://www.instructables.com/id/The-Milk-Crate-Makeshift-Bookshelf/">the milk crates</a> that gave me the idea to cut handholds in the plywood boxes above. (See also: <a href="http://www.wisebread.com/20-awesome-uses-for-milk-crates">20 Awesome Uses for Milk Crates</a>)</p> <p><img width="605" height="303" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/crates-3844044-small-ggnoads.jpg" /></p> <h2>13. Wooden Boxes</h2> <p>Instead of stacking your plywood boxes, <a href="http://www.familyhandyman.com/woodworking/shelves/diy-box-shelves/view-all">mount them on your wall</a>. You can use the binder clips to help hold them together, or arrange them however you'd like. An elegant &mdash; and secure &mdash; way to mount stuff on the wall is to use <a href="http://www.ncwoodworker.net/forums/showthread.php?t=21434">a French cleat</a>. You can make your own out of scrap plywood, or you can buy them ready made at the hardware store (or at <a href="http://www.amazon.com/gp/product/B003WE9XU4/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B003WE9XU4&amp;linkCode=as2&amp;tag=wisbre03-20" target="_blank">Amazon.com</a>). Don't forget to cut handholds.</p> <h2>14. Old Dresser Drawers</h2> <p><a href="http://olivebites.blogspot.com.es/2011/10/upcycled-tutorial-drawer-repurposed.html">Repurpose drawers from old dressers</a> you find at thrift stores, or yard sales, or on the sidewalk, into boxes you can mount on your wall. These are another candidate for a French cleat.</p> <h2>15. Custom Cut Cardboard Boxes</h2> <p>You can buy these modular, <a href="http://www.danygilles.com/stricubes.html">stackable cardboard boxes from the designer</a> (20 Euros for a box of three, I think; I don't read French), or you could borrow the design and use it on your own cardboard. If you were really handy with computer assisted design tools, you could design a version of this in thin plywood, and have the parts fabbed at an Internet CNC service, <a href="https://www.ponoko.com/">such as Ponoko</a>. (See also: <a href="http://www.wisebread.com/30-uses-for-the-humble-cardboard-box">30 Uses for the Humble Cardboard Box</a>)</p> <h2>16. Black Iron Pipe</h2> <p>Just the pipe, <a href="http://www.shelterness.com/industrial-pipe-bookshelves/">arranged however you like</a>, with the books resting on the pipe and leaning against your wall, or go all out and <a href="http://www.courtandhudson.com/2012/02/diy-pipe-bookshelf.html">use the pipe as supports for proper wooden shelves</a>.</p> <h2>17. Hungarian Shelves</h2> <p>If you have lots of books to store, or you want to try a basic, DIY modular system, <a href="http://www.instructables.com/id/Hungarian-Shelves/">Hungarian Bookshelves</a> are the answer. Attach notched 1x2s or 2x4s to wall studs, then attach notched shelves to those. I'm considering a variation of this design for a DIY wall unit in my home office.</p> <h2>18. Cleat and Sticks</h2> <p>And why haven't I made the Hungarian Shelf wall unit in my home office? Because I am enthralled by this <a href="http://www.dwr.com/product/sticotti-shelving-unit-a.do?sortby=ourPicks">Sticotti Shelving System</a> from Design Within Reach. They share the same basic design as the Hungarian Shelves &mdash; interlocking notched shelves and supports &mdash; but instead of attaching to wall studs, the support rails hang from a single, elegant cleat. At $2,000 and up, these shelves are definitely out of my reach, but they are certainly DIY-able, assuming a few expensive power tools. Someday.</p> <p><em>What are your favorite low-cost, high design bookshelf ideas?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/lars-peterson">Lars Peterson</a> of <a href="http://www.wisebread.com/18-cheap-and-attractive-ideas-for-bookshelves">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-common-kitchen-cast-offs-you-can-repurpose-into-cool-new-things">15 Common Kitchen Cast-Offs You Can Repurpose Into Cool New Things</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/18-amazing-diy-decorating-projects-that-are-easier-than-you-think">18 Amazing DIY Decorating Projects That Are Easier Than You Think</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-magic-marker-money-safe">The Magic Marker Money Safe</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/40-ways-to-use-spray-paint-for-cheap-and-easy-decorating">40 Ways to Use Spray Paint for Cheap and Easy Decorating</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-great-uses-for-a-bandana">20 Great Uses for a Bandana</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> DIY books design DIY storage Thu, 19 Sep 2013 10:36:02 +0000 Lars Peterson 935179 at http://www.wisebread.com 20 Places to Buy or Rent Textbooks http://www.wisebread.com/20-places-to-buy-or-rent-textbooks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/20-places-to-buy-or-rent-textbooks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/college-5108787-small.jpg" alt="woman with books" title="woman with books" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>When I went to college, I bought my textbooks at the college bookstore and sold them back to the same bookstore. These days, though, there are tons of places to buy or even rent textbooks. You don't need to spend a fortune on them. (See also: <a href="http://www.wisebread.com/how-to-score-free-or-almost-free-college-textbooks">Score Free (or Almost Free) College Textbooks</a>)</p> <h2>1. Amazon Student</h2> <p><a href="http://www.amazon.com/New-Used-Textbooks-Books/b/?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;node=465600&amp;tag=wisbre03-20">Amazon</a> offers new, used, rentals, and eTextbooks, and you get up to 70% back when you sell your books back. Sign up for <a href="http://www.amazon.com/gp/student/signup/info/?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;tag=wisbre03-20">Amazon Student</a> to get Free Two-Day Shipping for College Students. (See also: <a href="http://www.wisebread.com/big-list-of-student-discounts">Big List of Student Discounts</a>)</p> <h2>2. Chegg</h2> <p>With <a href="http://www.dpbolvw.net/click-2822544-10802150">Chegg</a>, you don't just get an online store to rent or buy textbooks at up to 80% off, you get a community that will help you with your schedule, homework, and more. Get 24/7 online study help, see reviews and ratings on courses from other students, and then sell your textbooks back when you're done with them.&nbsp;</p> <h2>3. CourseSmart</h2> <p><a href="http://www.jdoqocy.com/click-2822544-10620613">CourseSmart</a> offers eTextbooks and eResources, which can save you up to 60% off the price of print textbooks. Save even more with their subscription packs.</p> <h2>4. CampusBookRentals</h2> <p><a href="http://www.dpbolvw.net/click-2822544-10722286">CampusBookRentals</a> allows you to find textbooks for rent. Shipping is free both ways, and you can even write and highlight in them. You can decide to keep the book &mdash; you'd pay the difference between the purchase and rental price. Lastly, you can sign up to rent out your own copy of a book and make money!</p> <h2>5. eCampus</h2> <p><a href="http://www.tkqlhce.com/click-2822544-4183967">eCampus</a> gives you the option to rent, buy, or sell textbooks. They also have a rewards program that allows you to earn points for purchasing, renting, selling, and sharing on social media. These points can be redeemed for dollars off your next order.</p> <h2>6. BookRenter</h2> <p>Rent or buy textbooks at <a href="http://www.anrdoezrs.net/click-2822544-10927405">BookRenter</a>, where shipping for rentals is free both ways (they also have RapidReturn drop-off locations).</p> <h2>7. CengageBrain</h2> <p><a href="http://www.dpbolvw.net/click-2822544-11269694">CengageBrain</a> offers eBooks, single eChapters, study tools, and homework solutions in addition to textbooks for rent or purchase. Students can also get FREE 7 day eBook access to their purchases while the print versions are being shipped. (See also:&nbsp;<a href="http://www.wisebread.com/extra-income-opportunity-online-tutoring">Extra Income Opportunity: Online Tutoring</a>)</p> <h2>8. Bookbyte</h2> <p>Rent, buy, or sell textbooks at <a href="http://www.tkqlhce.com/click-2822544-10365117">Bookbyte</a>. They also offer a 10% cash rebate on the return of all textbook rentals.</p> <h2>9. Textbookx</h2> <p><a href="http://www.anrdoezrs.net/click-2822544-11402449">Textbookx</a> not only offers new and used textbooks for sale or rent, they also offer bestselling books like &quot;7 Habits of Highly Effective People&quot; and &quot;The Great Gatsby.&quot;</p> <h2>10. TextbookStop</h2> <p>At <a href="http://track.flexlinks.com/a.aspx?foid=46681420&amp;fot=9999&amp;foc=1">TextbookStop</a>, you can rent new or used textbooks or buy used textbooks. You can also sell your used textbooks. They have drop-off locations, too, where you can pick up or drop off your rentals, as well as sell your own textbooks.</p> <h2>11. Textbooks</h2> <p>At&nbsp;<a href="http://www.textbooks.com/">Textbooks</a>, you can buy, rent, or sell used textbooks (they'll give you a free shipping label). They also offer eTextbooks. Get textbooks at up to 90% off, and they have a generous 30-day no hassle return policy.</p> <h2>12. BookFinder</h2> <p>At <a href="http://www.bookfinder.com">BookFinder</a>, search through their database of over 100,000 booksellers and 60+ websites worldwide for the best price on any textbooks on your shopping list.</p> <h2>13. Alibris</h2> <p><a href="http://www.alibris.com/">Alibris</a> offers a wide selection of textbooks for sale and rental (as well as rare popular and rare books, music, and movies). Save up to 80% off list price. They offer new, used, and international edition textbooks. Return rentals for free.</p> <h2>14. AbeBooks</h2> <p><a href="http://www.abebooks.com/">AbeBooks</a> offer new and used textbooks, and they have recently introduced a rental service. Get free shipping on textbooks!</p> <h2>15. TextbookRush</h2> <p>Buy new or used, or find rentals at <a href="http://www.textbookrush.com">TextbookRush</a>. In addition to buying directly from they, they offer a marketplace where you can find other sellers for the books you need.</p> <h2>16. CampusBooks</h2> <p><a href="http://www.campusbooks.com/">CampusBooks</a> allows you to compare prices on textbooks for sale or rent on various sites. You can also compare prices on various sites for offers on textbooks you want to sell.</p> <h2>17. Bigwords</h2> <p><a href="http://bigwords.com/">Bigwords</a> go further than your average price-comparison search engine. Enter in all the books you need, and they will compare every combination of items at every store, take into consideration shipping and all promotions to show you the best possible price, including any applicable coupons.</p> <h2>18. Direct Textbook</h2> <p><a href="http://www.directtextbook.com/">Direct Textbook</a> is a search engine that will show you all the available offerings (whether rental, used, or new) on any book you need. They also search libraries and offer a price alert to keep you updated on any special deals.</p> <h2>19. ValoreBooks</h2> <p><a href="http://www.valorebooks.com/">ValoreBooks</a> is a marketplace where students can buy or rent cheap textbooks from over 18,000 verified sellers and rental providers who compete to provide the absolute lowest prices. In addition to textbooks, you can also sell back iPhones, iPads, DVDs/CDs, and video games.</p> <h2>20. Blue Rocket Books</h2> <p><a href="http://www.bluerocketbooks.com/">Blue Rocket Books</a> is a search engine that displays offers from other sites for any book you need, whether buying new, buying used, or renting. They also buy back books directly.</p> <p><em>What's your favorite discount textbook resource?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/lynn-truong">Lynn Truong</a> of <a href="http://www.wisebread.com/20-places-to-buy-or-rent-textbooks">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-score-free-or-almost-free-college-textbooks">How to Score Free (or Almost Free) College Textbooks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-college-students-can-save-money-before-class-starts">8 Ways College Students Can Save Money Before Class Starts</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/school-bookstores-cant-afford-cheap-textbooks">School Bookstores Can&#039;t Afford Cheap Textbooks</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-leave-college-without-making-these-5-moves-for-financial-success">Don&#039;t Leave College Without Making These 5 Moves for Financial Success</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training back to school books college discount books school supplies textbooks Fri, 06 Sep 2013 10:24:29 +0000 Lynn Truong 981496 at http://www.wisebread.com Hard Copy or Ebook? Amazon's New Service Allows You to Buy Ebook Versions of Hard Copies You Own for Cheap http://www.wisebread.com/hard-copy-or-ebook-amazons-new-service-allows-you-to-buy-ebook-versions-of-hard-copies-you-own-for-c <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/hard-copy-or-ebook-amazons-new-service-allows-you-to-buy-ebook-versions-of-hard-copies-you-own-for-c" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/tablet-5268717-small.jpg" alt="women reading book and ebook" title="women reading book and ebook" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Starting in October, Amazon will be offering a new feature called <a href="http://www.amazon.com/gp/feature.html/?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;docId=1001373341&amp;linkCode=ur2&amp;tag=topamazon0b-20">Matchbook</a> that will allow you to buy ebook versions of hard copies you've purchased from them for $2,99, $1.99, $0.99, or even free! This applies to any book purchase you've ever made from them...since 1995! Over 10,000 books will be available when Matchbook launches in October, and hopefully more publishers will be signing up.</p> <p>Earlier this year, Amazon announced a new service called <a href="http://www.amazon.com/b/?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;node=5946775011&amp;tag=topamazon0b-20">AutoRip</a>, which automatically offers a free MP3 album of any CD you buy from them, as well as any album you've purchased in the <em>last 15 years</em>. Just open the Cloud Player and it will automatically search for eligible albums and download it.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/lynn-truong">Lynn Truong</a> of <a href="http://www.wisebread.com/hard-copy-or-ebook-amazons-new-service-allows-you-to-buy-ebook-versions-of-hard-copies-you-own-for-c">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-reasons-to-choose-traditional-books-over-e-books">5 Reasons to Choose Traditional Books Over E-Books</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-places-to-get-cheaper-diapers">5 Places to Get Cheaper Diapers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-amazon-deal-hacks-you-may-not-already-know">16 Amazon Deal Hacks You May Not Already Know</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-you-should-always-order-on-amazon">10 Things You Should Always Order on Amazon</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-secrets-of-amazons-pricing-strategy-will-help-you-find-the-best-buys">These Secrets of Amazon&#039;s Pricing Strategy Will Help You Find the Best Buys</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Amazon books eBooks Tue, 03 Sep 2013 15:29:04 +0000 Lynn Truong 981704 at http://www.wisebread.com How to Score Free (or Almost Free) College Textbooks http://www.wisebread.com/how-to-score-free-or-almost-free-college-textbooks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-score-free-or-almost-free-college-textbooks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/college-5062903-small.jpg" alt="woman in library" title="woman in library" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>College is expensive, and I'm not just talking about the sticker shock of tuition. There are other costs, some that you might not consider at first. There's the expense of decorating and giving your dorm room style and personality, plus the daily cost of food if you're not on a meal plan. And an even bigger expense &mdash; textbooks. (See also: <a href="http://www.wisebread.com/how-to-save-20-100-on-textbooks">Save 20-100% on Textbooks</a>)</p> <p>Don't think that you're going to walk into a campus bookstore and pay $30 for a book &mdash; you'd be lucky to find a book this cheap. College-related miscellaneous expenses can vary by semester, with the average cost for books and supplies starting at $1,200 for public and private colleges, reports College Board.</p> <p>Not exactly good news if you're on a tight budget. However, college textbooks don't have to break the bank. The campus bookstore isn't your only option. Get creative and you might score free textbooks &mdash; or at least cheap books.</p> <h2>1. Check Out Your Library's Selection</h2> <p>Since you'll use your main textbooks for the entire semester, you may not think to check the selection at your campus library. But along with your main textbook, your professor may include a list of other books &mdash; books that you may not need the entire semester. (See also: <a href="http://www.wisebread.com/4-reasons-why-you-should-support-your-local-library">4 Reasons Why You Should Support Your Local Library</a>)</p> <p>&quot;After arriving to campus, students should go to their college library as soon as possible with a list of the textbooks needed, and if the library has the book, inquire about checking it out.&quot; says, Jon Lal, founder of <a href="http://www.befrugal.com/">BeFrugal.com</a>.</p> <p>Given the fact that you may only need a particular book for a few lectures, it doesn't make sense to spend your hard earned money. If the book isn't available in the library, see if your school is part of a lending consortium&nbsp;&mdash; you might be able to borrow the book from another school's library.</p> <h2>2. Network With Other Students</h2> <p>Befriend others in your major, and you may never pay full price for a textbook again. Opening your mouth and doing a little networking is an excellent way to get free or cheap textbooks. Maybe you know people who took the same class last semester. They might sell you the book at a price cheaper than the campus bookstore. And if you have old textbooks in your possession, you might be able to negotiate an even-exchange swap.</p> <p>According to Lal, <a href="http://www.yerdle.com">Yerdle.com</a> is a great place to see if your Facebook friends have a copy of the book you need. Or you can use sites like <a href="http://www.booksfreeswap.com/">Bookfreeswap.com</a>, <a href="http://bookmooch.com/">BookMooch.com</a>, and <a href="http://freebookexpress.com/">Freebookexpress.com</a> to exchange used books with other students.</p> <h2>3. Get the eBook</h2> <p>If you're on a budget and don't have a lot of cash, skip the laptop and go with a tablet computer. These devices are affordable, lightweight, and great for studying, and they can fit inside your backpack. (See also: <a href="http://www.wisebread.com/how-to-easily-use-an-ipad-as-a-laptop">Use an iPad as a Laptop</a>)</p> <p>&quot;A tablet can provide value to students well beyond its small price tag,&quot; says Lal. Download apps, access electronic textbooks, or search the Internet. You can even purchase a keyboard to create and save documents more easily.</p> <p>With a tablet, getting your textbook in ebook form might be easier than you think. Several resources are available to you &mdash; many at no charge. For example, the <a href="http://www.ipl.org/">Internet Public Library</a> offers free access to classic books, and if you search the <a href="http://archive.org/details/texts">Internet Archive</a>, you'll gain access to more than 2,500,000 items.</p> <p>Lal also recommends the <a href="http://www.gutenberg.org/">Project Gutenberg Literary Archive Library Foundation</a>, a non-profit with free novels and textbooks downloadable to a computer or tablet, or you can access free ebooks and PDF textbooks through <a href="http://bookboon.com/">BookBooN.com</a> and <a href="http://textbookrevolution.org/">TextbookRevolution.org</a>.</p> <h2>4. Rent Your Books</h2> <p>If you buy your books there's always a chance that you won't be able to resell at the end of the semester. And since you're not likely to open the book once you finish the class, why waste $100 (or more) for one book?</p> <p>Buying books online can be cost-effective, but this might not offer the best savings. Renting books from stores, such as <a href="http://www.textbookstop.com/" target="_blank">Textbook Stop</a>, <a href="http://www.tkqlhce.com/click-2822544-11108049">TextbookX,</a> <a href="http://www.dpbolvw.net/click-2822544-10734724" target="_blank">Book Renter</a>, and <a href="http://www.dpbolvw.net/click-2822544-10365124" target="_blank">Bookbyte</a> can help you stay on budget. For greater savings, search online for a free coupon code. You might be able to take a percentage off your rental or receive free shipping.</p> <h2>5. Earn Cash Back on Books</h2> <p>You probably won't find free or cheap copies for all the textbooks on your list, but even if you only score one free book, that's cash you don't have to spend. (See also: <a href="http://www.wisebread.com/17-more-places-to-buy-sell-and-trade-books">17 More Places to Buy, Sell, and Trade Books</a>)</p> <p>Whether you rent, buy used, or purchase new, pay for your textbooks with a rewards credit card, if possible. This way, you earn cash back or points on every purchase &mdash; regardless of whether you're online or in-store. Cash back earnings can help offset the cost of expensive college textbooks.</p> <p>But don't only pull out your credit card when you're buying books. To maximize your savings, use the credit card for groceries, gasoline, and other miscellaneous expenses. Build up your cash back reward balance, and by next semester, you might have earned enough to cover the cost of all your books &mdash; just make sure that you pay off your credit card balance in full each month. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-college-students">Great Credit Cards for College Students</a>)</p> <p><em>Do you have other tips for saving on college textbooks? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/how-to-score-free-or-almost-free-college-textbooks">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-places-to-buy-or-rent-textbooks">20 Places to Buy or Rent Textbooks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-college-students-can-save-money-before-class-starts">8 Ways College Students Can Save Money Before Class Starts</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-better-way-to-rank-americas-colleges">A Better Way to Rank America&#039;s Colleges</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-college-can-you-and-your-kid-afford">How Much College Can You (and Your Kid) Afford?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/school-bookstores-cant-afford-cheap-textbooks">School Bookstores Can&#039;t Afford Cheap Textbooks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training books college textbooks tuition Mon, 02 Sep 2013 10:36:29 +0000 Mikey Rox 981619 at http://www.wisebread.com Free Books: Little Libraries That Build Community and Save You Money http://www.wisebread.com/free-books-little-libraries-that-build-community-and-save-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/free-books-little-libraries-that-build-community-and-save-you-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/8084915987_55bd59f478_z.jpg" alt="Little Free Library" title="Little Free Library" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>One of my earliest childhood memories is standing in a parking lot in rural New Mexico with my mother, waiting for the Bookmobile to arrive. I loved the Bookmobile, which was a former delivery truck, outfitted with bookshelves.</p> <p>In pre-Internet days, the Bookmobile brought the outside world to towns too teeny to support their own libraries or bookstores. <a target="_blank" href="http://blog.roomtoread.org/room-to-read/2011/12/elephant-mobile-library-treats-young-readers-in-laos-to-a-day-they-will-never-forget.html">Bookmobiles still exist</a>, often serving as a library for schools in poor neighborhoods and as a books-on-wheels service for elderly readers with mobility issues.</p> <p>Alas, with all the state budget cuts, libraries across America are cutting back services or completely closing down branches. Due to soaring gas prices, mobile libraries face a financial double whammy. While some readers can still access a library via downloadable books, in many places, like on Indian reservations, the public library is also the Internet hotspot for the entire community. No library? No Internet, and no access to free books. (See also: <a href="http://www.wisebread.com/4-reasons-why-you-should-support-your-local-library">4 Reasons Why&nbsp;You&nbsp;Should Support Your&nbsp;Local Library</a>)</p> <h2>Survivalists in the Post-Library Landscape</h2> <p>Putting aside all the amazing services and perks that public libraries provide &mdash; research material, Internet access, DVD rental, air conditioning &mdash; the big question for many people becomes: &quot;How am I going to afford my reading habit?&quot;</p> <p>Obviously, if you&rsquo;ve got the money, you can buy books.</p> <p>But most library patrons are frugal readers who prefer to pay for their books with their tax dollars, not their grocery budgets. Also, many places don&rsquo;t have a big enough local economy to support a bookstore. Sure, you can always buy books online. But, even one-cent books cost money to ship. And you have to pay for the Internet access that you use to download free books.</p> <p>Luckily, bookworms are a plucky bunch. Around the world people are creating their own <a href="http://www.wisebread.com/17-more-places-to-buy-sell-and-trade-books">book exchanges</a> and sharing their reading wealth with their neighbors.</p> <h2>Little Free Libraries</h2> <p><a target="_blank" href="http://www.littlefreelibrary.org/">Little Free Library</a> is a charity that started in 2010 to promote the construction of free book exchanges around the globe to promote literacy and build community. In August 2012, the Little Free Library movement surpassed Andrew Carnegie&rsquo;s record total of 2,509 libraries built!</p> <p>My friend Heather joined the Little Free Library as a Steward last year. A tax deductable $34.95 got her a start-up kit with all sorts of helpful information, blueprints, and instructions on how to build her own library out of salvaged supplies, book plates, a numbered metal plaque for her library, and a GPS listing on the Little Free Library global network. More importantly, Heather gets the pleasure of knowing that she&rsquo;s helping to subsidize libraries in poor areas, plus the accolades of all her neighbors.</p> <p>Interestingly enough, Heather&rsquo;s little library isn&rsquo;t cleaned out every day by book thieves or vandals. People really seem to grasp the concept that her tiny book shelf is a <em>lending library</em>. Heather&rsquo;s library patrons are remarkably nice about returning books they have &quot;checked out&quot; of her little library once they are through reading them.</p> <p><img width="263" height="350" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/little_free_library.jpg" alt="" /></p> <h2>Community Book Banks</h2> <p>If an actual lending library feels too overwhelming to manage, even at a miniature scale, or you lack yard space because you live in an apartment complex, you can join forces with a local coffee shop, hair salon, or car mechanic and curate a community book bank in a reader friendly private business.</p> <p>My local gym owner operates a leave-a-book/take-a-book style free reading exchange in the dressing room. Fact&nbsp;&mdash; the gym bookcase is actually where I get all of my trashy ladymags for free. While there is no expectation for people to actually return books to the gym, the owner and her wife make a point of keeping the shelf stocked with interesting reading material. If your local house of worship has a FREE box, you might ask if you can add a bookshelf in the same area. Books are more likely to be returned to book banks if people can make it part of their weekly routine.</p> <h2>Catch and Release</h2> <p>If you&rsquo;ve ever traveled like a poor person, then you know that just about every youth hostel on the planet has a stack of random books in some corner that are free for the taking&hellip;often in more than one language. If you are a sporting type like me, you can actually track your holiday reading that you left behind in taxis, airports, and bus stops around the globe using <a target="_blank" href="http://www.bookcrossing.com/">bookcrossing.com</a>.</p> <p>My friend Gwen, who lives in Germany, rides to work on a Hamburg&nbsp;<em>city bus</em> that <a target="_blank" href="http://www.flickr.com/photos/morfydd/4816171873/in/photostream/">has a built-in bookcase</a>. (There&rsquo;s some joke about German efficiency to be made from this, one that I just can&rsquo;t think of right now). At any rate, that is some fine German engineering. Why Americans have not demanded bookcases on all public transportation, I have no idea, but it is just more evidence that we&rsquo;re losing the empire.</p> <p>International Catch and Release reading is always a treasure hunt, but it&rsquo;s also one of my favorite ways of pinching pennies, (or centimes, or lepta) when I travel. I used to buy guide books, but then I discovered that small hotel managers are usually more than happy to load me up with leftover <a href="http://www.wisebread.com/getting-around-the-guidebook-techniques-for-researching-your-trip-without-spending-a-fortune">maps and guides</a> because their bookcases are crammed with travel books left behind by previous guests.</p> <p>Also, when I did my semester abroad in Florence, I packed a bunch of books that were set in Tuscany so I could create mini &quot;book tour&quot; walks where I&rsquo;d try and track down all the literary locations I was reading about. I thought I was so clever until I arrived at school and discovered that generations of previous students had left behind multiple copies of&quot; The Agony and the Ecstasy,&quot; &quot;Portrait of a Lady,&quot; and anything ever written by John Ruskin on the school&rsquo;s lending library shelf. Book geeks. We all think alike. Place-specific literature is just one more thing I now leave off my packing list when traveling in book-abundant areas.</p> <h2>Host a Book Swap</h2> <p>On New Year&rsquo;s Day my husband and I host a <a target="_blank" href="http://www.wisebread.com/5-potluck-parties-that-help-you-share-the-wealth">book swap party and waffle extravaganza</a>. (My husband&rsquo;s waffles are legendary.) We invite all the readers in our life to come over with the good books that are taking up valuable shelf space in their homes. Everyone throws their books on the communal pile and takes what they want for free. People look forward to this party and actually &quot;save up&quot; their books for this event! Leftover books are donated to the <a target="_blank" href="http://www.lapl.org/get-involved">Los Angeles Public Library Book Drive</a>.</p> <p><em>How much do you spend on your reading habit and where do you find inexpensive books?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/free-books-little-libraries-that-build-community-and-save-you-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/21-personal-finance-lessons-from-harry-potter">21 Personal Finance Lessons From Harry Potter</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-tips-to-get-the-most-out-of-a-library-sale">5 Tips to Get the Most Out of a Library Sale</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-awesome-things-you-didnt-know-you-could-get-at-the-library">12 Awesome Things You Didn&#039;t Know You Could Get at the Library</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/read-for-free">Read for Free</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-fun-and-frugal-labor-day-activities">15 Fun and Frugal Labor Day Activities</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Book Swap books build community libraries Mon, 11 Feb 2013 11:37:04 +0000 Max Wong 967600 at http://www.wisebread.com Financial Lessons From The Hunger Games http://www.wisebread.com/financial-lessons-from-the-hunger-games <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/financial-lessons-from-the-hunger-games" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/6705290831_59f1544f0d_z.jpg" alt="Woman reading The Hunger Games" title="Woman reading The Hunger Games" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>The odds are that you've heard of Suzanne Collins's best-selling young adult dystopia series, <em>The Hunger Games.</em> If you haven't read the first book or seen the film (which many are predicting to be one of 2012's top-grossing movies), then beware that spoilers follow. (See also: <a title="21 Personal Finance Lessons From Harry Potter" href="http://www.wisebread.com/21-personal-finance-lessons-from-harry-potter">21 Personal Finance Lessons From Harry Potter</a>)</p> <p><em>The Hunger Games</em> is the story of District 12's Katniss Everdeen (played by the lovely Jennifer Lawrence in the film) volunteering to take her little sister Prim's place in Panem's annual Hunger Games. The compulsory event was created by the government (&quot;the Capitol&quot;) 74 years ago in an effort to force its populace into submission and minimize hopes for another rebellion by reminding them who's in control of the country. In the Games,&nbsp;24 children (one boy and one girl from each district; called &quot;tributes&quot;) are placed in an arena to fight to the death, until there is only one victor remaining. In addition to lifelong glory, fame, and riches, the winner gets the best prize of all &mdash; the right to live.</p> <p>The books (and some components of the film) are full of interesting political and social messages, but there's another angle present in <em>The Hunger Games</em> &mdash; financial. It may be set in a dystopic setting, but there are still lessons applicable to us in the real world.</p> <h2>Self-Sufficiency Is Helpful</h2> <p>At the beginning of the film, we see Katniss and her best friend Gale Hawthorne (played by Liam Hemsworth) hunting in the woods outside the protective barrier of their district. While you may not be literally starving, this still serves as a reminder of how important &mdash; and frugal &mdash; self-sufficiency can be when it comes to food. <a title="How to Plan Your Garden" href="http://www.wisebread.com/how-to-plan-your-garden">Start a garden</a>, or raise a couple of hens so you have some eggs each morning. This way, you'll have fresh food without paying extra for organic produce, allowing you to cut back on your grocery budget each month. It may not wipe out a massive percentage of your food costs, but every little bit counts. Not to mention &mdash; gardening can be fun!</p> <h2>Expensive Things Aren't Necessarily Better</h2> <p>In the Hob, Katniss and Gale trade wild dog carcasses for money and items such as soap. In the book, the old woman (Greasy Sae) who buys the wild dog points out that she tells people it's real beef in the stew instead of dog, and they never notice the difference. While I'm not advocating for you to do this with your family dinners, this could be readily applied to the brand-name versus generic debate. For the most part, the two taste the same; the only difference is the price you're paying. Take this into consideration on your next trip to the grocery store.</p> <h2>Someone Else Almost Always Has It Worse</h2> <p>Having lived his entire life in a middle-class baking family, Peeta Mellark (played by Josh Hutcherson) is a little better off than Katniss, but not by much. Still, when he notices her out in the rain one day, keeling over from starvation and desperation, he takes a risk and purposely burns the bread so his infuriated mother would make him throw it out. Instead of giving it all to the pigs, he tosses a loaf to Katniss.</p> <p>This is similar to our current situation &mdash; with a bad economy, many people have stopped giving to charities to protect their own finances and adhere to stricter budgets. Giving to the needy isn't a lifestyle requirement, but at a time where charities need that money most, at least keep in mind that there will always be more people who have it worse than you do (maybe that will lessen the pain of giving up possessions or making cuts in your budget).</p> <h2>Words Hold a Lot of Power</h2> <p>One of my favorite characters in the film &mdash; portrayed by the delightful Stanley Tucci &mdash; was Caesar Flickerman. He, along with Peeta, has a way with words, able to move audiences from laughs to tears with a single, well-crafted sentence.</p> <p>What about you? Are you a good communicator? This is a highly desirable trait in potential employees. If you're already employed, you could <a title="Underpaid? Here's How to Fix It." href="http://www.wisebread.com/underpaid-here-s-how-to-fix-it">get you a raise</a> if you approach your boss and state your case in a concise and confident manner. Remember, you're not an Avox! If something in the status quo is bothering you, then speak up!</p> <h2>Don't Wait for Opportunities</h2> <p>Even if you're last name isn't Everdeen, the odds aren't always likely to be in your favor. Passively sitting back and waiting for things to happen &mdash; maybe one of your job applications will get a response or you'll magically start saving money without having to go through the &quot;boredom&quot; of creating a budget &mdash; doesn't work. You need to be actively pursuing a better financial future for yourself and your family, not sitting on the sidelines and simply hoping the economy will get better soon. There might be risks involved &mdash; Katniss going after the medicine for Peeta is definitely not the safest idea &mdash; but the biggest rewards tend to correlate with the size of the risk involved.</p> <p>Ultimately, there are all sorts of life lessons to be learned from <em>The Hunger Games</em>. We may not live in the oppressive dystopian world Collins created, but Katniss's circumstances are often more relatable than we'd think.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kelly-kehoe">Kelly Kehoe</a> of <a href="http://www.wisebread.com/financial-lessons-from-the-hunger-games">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/21-perfect-holiday-gifts-for-book-lovers">21 Perfect Holiday Gifts for Book Lovers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/book-review-work-less-live-more">Book review: Work Less, Live More</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/book-review-retire-on-less-than-you-think">Book review: Retire on Less Than You Think</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/book-review-in-cheap-we-trust-the-story-of-a-misunderstood-american-virtue-by-lauren-weber">Book Review - In CHEAP We Trust: The Story of a Misunderstood American Virtue by Lauren Weber</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-find-the-cheapest-college-textbooks">How to find the cheapest college textbooks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living books finance lessons the hunger games Wed, 18 Apr 2012 10:24:11 +0000 Kelly Kehoe 920606 at http://www.wisebread.com In With the Old: 4 Vintage Frugal Resources http://www.wisebread.com/in-with-the-old-4-vintage-frugal-resources <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/in-with-the-old-4-vintage-frugal-resources" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/vintage_frugality.jpg" alt="Woman on a car in the 1950s" title="Woman on a car in the 1950s" class="imagecache imagecache-250w" width="250" height="162" /></a> </div> </div> </div> <p>A lot of the frugal lifestyle has to do with self-sufficiency &mdash; cooking for yourself, repairing what's broken, and so on &mdash; skills that fell out of practice over the last several years. So it makes sense that some of the best frugal living references are from a time when more people practiced these skills regularly. This is by no means an exhaustive list; I only included resources I have personally used. (See also: <a href="http://www.wisebread.com/self-sufficiency-self-reliance-and-freedom">Self-Sufficiency, Self-Reliance, and Freedom</a>)</p> <h3>The USDA's Home and Garden Bulletin</h3> <p>Published between the 1950s and 1990s (yes, the 1990s is hardly &quot;vintage&quot; &mdash; no matter what teenagers already nostalgic for the decade say), the <a href="http://www.nal.usda.gov/ref/USDApubs/hgb.htm">USDA's Home and Garden&nbsp;Bulletin</a> covered everything from canning (not just <a href="http://agnic.msu.edu/hgpubs/modus/morefile/hg8_83.pdf">fruits and vegetables</a> (PDF), but also <a href="http://agnic.msu.edu/hgpubs/modus/morefile/hg6_51.pdf">meat</a> (PDF)) to <a href="http://agnic.msu.edu/hgpubs/modus/morefile/hg20_68.pdf">tailoring a woman's suit</a> (PDF) to <a href="http://agnic.msu.edu/hgpubs/modus/morefile/hg98_78.pdf">budgeting for young couples</a> (PDF). The first time I made my own <a href="http://agnic.msu.edu/hgpubs/modus/morefile/hg129_77.pdf">cottage cheese</a> (PDF), I followed the recipe from one of these bulletins.</p> <h3>Old Children's Books</h3> <p>While I watched my share of TV as a kid,&nbsp;I usually preferred to be <em>doing</em> something. These days, one of my hobbies is collecting old books, and some of my favorites are children's books, like <em>The Boys' Own Book of Indoor Sports and Choice Parlor Games</em> from the late 1800s. It teaches kids how to do everything from build a pig out of a lemon to perform plays with fantastical costumes to how to throw boxing punches&nbsp;(okay, maybe you don't want to teach your kids that one). Unfortunately, there isn't a copy of that book online, but there are several other old children's books digitized by Google Books, like <a href="http://books.google.com/books?id=RiAMAAAAYAAJ&amp;dq=indoor%20sports&amp;pg=PP1#v=onepage&amp;q&amp;f=false"><em>Boys' Own Book; A Complete Encyclopedia of Athletic, Scientific, Outdoor and Indoor Sports</em></a>. Your best bet for books like these, though, might be poking through your local library and used book shops.</p> <h3>Archive Films&nbsp;</h3> <p>The <a href="http://www.archive.org/details/prelinger">Prelinger Archives</a> at Archive.org is one of my favorite sources for &quot;found&quot; footage when making comedy videos. It's full of classic informational films, newsreels, commercials, and even personal films of vacations and Worlds Fairs. A search for &quot;thrift&quot; in the archives yields plenty of movies, like this one showing how a young couple refinishes secondhand items:</p> <p><iframe width="640" height="480" frameborder="0" src="http://www.archive.org/embed/Somethin1958"></iframe></p> <p><a href="http://www.archive.org/details/Somethin1958">Watch video</a></p> <h3>The Joy of Cooking</h3> <p>If you're saying, &quot;Huh? That new book on my shelf?&quot; it's probably because this classic cookbook is updated regularly. We had one of the older copies of <em>The Joy of Cooking </em>in my house when I was growing up, and its exhaustive desserts section was instrumental in my learning how to bake. While <em>The Joy of Cooking</em> is one of my favorite examples, lots of older cookbooks provide <a href="http://www.wisebread.com/25-great-cheap-and-easy-crock-pot-recipes">simple, tasty recipes</a> with frugal, easy-to-find ingredients. Scout out yard sales, or try searching &quot;<a href="https://www.google.com/search?tbm=bks&amp;tbo=1&amp;q=cook+book&amp;btnG=#q=cook+book&amp;hl=en&amp;tbo=1&amp;tbm=bks&amp;source=lnt&amp;tbs=bkv:r&amp;sa=X&amp;ei=yt9jT9ucFYbKiQLZmOyiDw&amp;ved=0CCQQpwUoAw&amp;bav=on.2,or.r_gc.r_pw.,cf.osb&amp;fp=8f15304399b909a4&amp;biw=1680&amp;bih=802">cook book</a>&quot; (it used to be two words) on the Free Google eBooks section of the Google Books search.</p> <p><em>What are your favorite vintage frugality resources?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/meg-favreau">Meg Favreau</a> of <a href="http://www.wisebread.com/in-with-the-old-4-vintage-frugal-resources">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-13"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-childhood-collectibles-worth-big-bucks-today">9 Childhood Collectibles Worth Big Bucks Today</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/21-perfect-holiday-gifts-for-book-lovers">21 Perfect Holiday Gifts for Book Lovers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/book-review-work-less-live-more">Book review: Work Less, Live More</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/book-review-retire-on-less-than-you-think">Book review: Retire on Less Than You Think</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/book-review-in-cheap-we-trust-the-story-of-a-misunderstood-american-virtue-by-lauren-weber">Book Review - In CHEAP We Trust: The Story of a Misunderstood American Virtue by Lauren Weber</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living books free resources vintage Sat, 17 Mar 2012 10:24:23 +0000 Meg Favreau 911612 at http://www.wisebread.com Ask The Readers: How Do You Buy Books? http://www.wisebread.com/ask-the-readers-how-do-you-buy-books <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-how-do-you-buy-books" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/3298594845_a7dc701685-1.jpg" alt="How Do You Buy Books?" title="How Do You Buy Books?" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>Congratulations to </em><a href="http://www.wisebread.com/ask-the-readers-how-do-you-buy-books#comment-501592"><em>Brenda</em></a><em>, </em><a href="http://www.wisebread.com/ask-the-readers-how-do-you-buy-books#comment-501687"><em>Raina</em></a><em>, and </em><a href="http://www.wisebread.com/ask-the-readers-how-do-you-buy-books#comment-501614"><em>DonnaFreedman</em></a><em> for winning this week's contest!</em></p> <p>Chances are you have heard that Borders is going out of business. With so many people opting to buy books at a discount online or download books onto Kindles, the fate of bookstores (and potentially even buying hard copies of books) looks grim. However, there are people out there who still enjoy going to bookstores to find and purchase their next must read book.</p> <p><strong>How do you buy books? &nbsp;</strong>Do you buy online or do you prefer to go to the bookstore? Do you buy hard copies of books or just download them onto a Kindle? Or, do you not buy books at all and instead opt to use your local library?</p> <p>Tell us how you buy books and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; one for random comments, one for random Facebook &quot;Likes&quot;, and another one for random tweets.</p> <h3>Mandatory Entry:&nbsp;</h3> <ul> <li>Post your answer in the comments below&nbsp;</li> </ul> <h3>For extra entries (1 per action):</h3> <ul> <li>Go to our <a href="http://www.facebook.com/pages/Wise-Bread/26830741467?ref=ts">Facebook page</a>, &quot;Like&quot; us, and leave a comment telling us you did, or</li> <li><a href="http://www.twitter.com/">Tweet</a> your answer. You have to be a follower of our <a href="http://twitter.com/wisebread">@wisebread account</a>. Include both &quot;@wisebread&quot; and &quot;#WBAsk&quot; in your tweet so we'll see it and count it. Leave a link to your tweet (click the timestamp for the individual URL) in a separate comment.</li> </ul> <p><strong>If you're inspired to write a whole blog post OR you have a photo on flickr to share, please link to it in the comments or tweet it.</strong></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, August 1st at 11:59 pm Pacific. Winners will be announced after August 1st on the original post. Winners will also be contacted via email.</li> <li>You can enter all three drawings &mdash; once by leaving a comment, once by liking our Facebook update, and once by tweeting.</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.</li> <li>You must be 18 and US resident to enter. Void where prohibited.</li> </ul> <p>Note: Due to recent changes in Facebook's promotions guidelines, we have restructured the entry format of our giveaways.</p> <p><strong>Good Luck!</strong></p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us how you buy books and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-how-do-you-buy-books">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-14"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-200-giveaway-what-does-corporate-social-responsibility-mean-to-you">Ask the Readers $200 Giveaway: What Does Corporate Social Responsibility Mean to You?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-what-motivates-you-chance-to-win-20">Ask the Readers: What Motivates You? (Chance to win $20!)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-should-kids-get-paid-for-doing-chores">Ask The Readers: Should Kids Get Paid For Doing Chores?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-what-is-your-dream-job-0">Ask the Readers: What is Your Dream Job?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-how-did-you-spend-your-first-paycheck">Ask the Readers: How Did You Spend Your First Paycheck?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways Ask the Readers books borders purchasing Tue, 26 Jul 2011 10:36:11 +0000 Ashley Jacobs 634157 at http://www.wisebread.com 21 Personal Finance Lessons From Harry Potter http://www.wisebread.com/21-personal-finance-lessons-from-harry-potter <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/21-personal-finance-lessons-from-harry-potter" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/harry_potter.jpg" alt="Woman with Harry Potter book" title="Woman with Harry Potter book" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>I recently finished rereading all of the Harry Potter books in anticipation of the final movie&rsquo;s release. The first time reading the books, I was focused on the plot. But in rereading, I was struck by the reoccurring themes of money and personal finance throughout the books. (See also: <a href="http://www.wisebread.com/9-ways-star-wars-can-inspire-you-to-save-money">9 Ways Star Wars Can Inspire You to Save Money</a>)</p> <p>Here are some of my favorite financial lessons from Harry Potter, coupled with either a brief description of the events or a quote from the book.</p> <h3>1. Money Doesn&rsquo;t Buy Happiness...</h3> <p>Some of the most miserable people in the book &mdash; the Malfoys &mdash; are the richest. And some of the poorest &mdash; the Weasleys &mdash; are the happiest.</p> <h3>2. ...But It Sure Can Help</h3> <p>Harry is able to escape some of the miseries of his summers at the Dursleys with money from his inheritance, and Ron, who frequently laments being poor and wearing hand-me-downs, is happier when he has new items.</p> <h3>3. Earn Extra Money on the Side</h3> <p>Fred and George work to make some extra money before going into business for themselves. Ron says in book four, &ldquo;I don&rsquo;t blame Fred and George from trying to make some extra money. Wish I could.&rdquo; What Ron doesn't realize is that anyone can earn more money with a side business.</p> <h3>4. If Something Seems Too Good to be True, It Probably Is</h3> <p>At the Quidditch Cup, gold rained down on everyone in the stadium. The crowd got extremely excited and started gathering up the coins. Unfortunately, it was Leprechaun gold, which disappeared shortly after. Next time money seems to be falling into your lap, remember the Leprechaun gold.</p> <h3>5. Time Is Money</h3> <p>After apparating down the stairs (to save 30 seconds from walking down them), Fred says to Ron, &ldquo;Time is Galleons, little brother.&rdquo; While apparating to save a few seconds is a little extreme, this shows the need to be conscious of our time.&nbsp;</p> <h3>6. Don't Steal; You'll Get Caught</h3> <p>Mundungus, one of the original members of the Order of the Phoenix, has a bit of a theft problem. In book five he brings stolen cauldrons to the safe house and gets caught. Mrs. Weasley shouts at the top of her lungs, &ldquo;We are not running a hideout for stolen goods&hellip;As if we haven&rsquo;t got enough to worry about without you dragging stolen cauldrons into the house.&rdquo;</p> <h3>7. Being Obsessed With Money Can Be Bad and Lead to Trouble</h3> <p>When Fred and George are first trying to get their magic shop started as a mail-order business, Ron comments, &ldquo;They&rsquo;re obsessed with making money lately&hellip;&rdquo; Ron then begins to suspect them of blackmail and breaking school rules in order to get money because he doesn't realize exactly what they are doing. Similarly, when people in our lives become consumed by dollars and cents, we often suspect the worst.</p> <h3>8. Money Makes People Take Unnecessary Risks</h3> <p>In book four, the award for winning the Triwizard Tournament is 1,000 Galleons. Students start taking unnecessary risks to enter their names into the fire. For example, Fred and George try to cross the Age Line, which prevents students under the age of 17 from entering their names in the Goblet of Fire, and they are thrown backwards and immediately start growing long white beards (which Madame Pomfrey has to fix).</p> <h3>9. Good People Don&rsquo;t Want Money That Doesn't Belong to Them</h3> <p>After Cedric dies in the Triwizard Tournament and Harry wins the 1,000 Galleons, he tries to give it the sock of gold to Cedric&rsquo;s family. He says, &ldquo;You take this...It should&rsquo;ve been Cedric&rsquo;s,&rdquo; but Mrs. Diggory backs away and refuses. Mrs. Diggory doesn't feel that the money belongs to her, and she likely doesn't want the reminder of her dead son.</p> <h3>10. Don&rsquo;t Gamble; You&rsquo;ll Lose Even When You Win</h3> <p>Fred and George bet with Ludo Bagman, a wizard with the Department of Magical Games and Sports, that Ireland would win the Quidditch World Cup but Krum would get the snitch. They won, but Bagman never paid them back. He said they were too young to gamble, and Fred and George lost everything.</p> <h3>11. Don&rsquo;t Borrow Money for Gambling, Especially From Goblins</h3> <p>Ludo Bagman borrowed gold from the goblins in order to gamble. He had to run from the goblins because he wasn&rsquo;t able to pay them back. While we don't have goblins in real life, borrowing money from anyone to gamble is a bad idea. Perhaps goblins can be equated to a credit card company &mdash; if you borrow money and don't repay it, they will always find you, and the consequences won't be pretty.</p> <h3>12.&nbsp;People Can Be Resentful If You Try to Secretly Help Them</h3> <p>Harry buys Hermione and Ron omnioculars at the Quidditch Cup. Ron repays Harry with Leprechaun gold, which later disappears, but Ron doesn't realize it. Rather than tell Ron that he didn't actually pay him back, Harry lets it slide. But later, Ron finds out and is resentful of Harry's generosity: &ldquo;Why didn&rsquo;t you tell me about the gold?...Why didn&rsquo;t you tell me it disappeared&hellip;I thought I was paying you back.&rdquo; Like Ron, many people can be resentful of generosity when it reminds them of how little they have. The best approach when you are generous with your time or money is to be upfront about what you're doing without showing it off.</p> <h3>13. Depending on the Time and Situation, Money Matters to Some People More Than Others</h3> <p>Harry and Ron have a conversation about Ron&rsquo;s repayment of Leprechaun gold and Harry says. &ldquo;I never noticed [the gold] had gone. I was more worried about my wand, wasn&rsquo;t I.&rdquo; Ron replies &ldquo;Must be nice&hellip;to have so much money you don&rsquo;t notice if a pocketful of Galleons goes missing.&rdquo;&nbsp;</p> <p>In your own life, recognize to what extent you value and need money right now. While direct comparisons to other people's finances are rarely helpful, keeping a larger perspective will help you understand where you and others are coming from for anything finance related. (Considering how much money matters to others can come in handy with something as simple as splitting a dinner bill with friends &mdash; money likely matters more to your friend who just <a href="http://www.wisebread.com/lost-my-job-tips-for-the-recently-laid-off">lost his job</a>, and being aware of this can prevent misunderstandings and hurt feelings.)</p> <h3>14. Hard Work Leads to Success, and Success Gets Rewarded</h3> <p>After working hard and showing leadership during his first four years at Hogwarts, Ron was selected to be a Prefect. In recognition of this, Fred and George bought Ron new robes, and Mrs. Weasley bought him a new broomstick.</p> <h3>15. Giving Generously May Help You Later</h3> <p>&ldquo;Malfoy&rsquo;s been giving generously to all sorts of things for years&hellip;Gets him in with the right people...then he can ask favors&hellip;delay laws he doesn&rsquo;t want passed...Oh, he&rsquo;s very well connected, Lucius Malfoy&hellip;.&rdquo;</p> <p>Lucius Malfoy gives to the Ministry to influence things in his favor. While this sort of lobbying is generally frowned upon, the truth is that it works. So give to <a href="http://www.wisebread.com/giving-to-charity-is-great-but-how-do-you-pick-one">causes and people you support</a>, as it may help you in the future.</p> <h3>16. A Little Luck Never Hurts</h3> <p>Before entering his hearing in book five, Harry promised that if it went well, he would put 10 Galleons in a nearby fountain where spare coins are collected to donate to a hospital. After the hearing went well, Harry turned &ldquo;his money bag upside down and emptied not just ten Galleons, but the whole contents into the pool at the statue&rsquo;s feet.&rdquo; Some may see this as showing how money can be needlessly wasted, but to me it shows that even amazing people are superstitious and need some luck sometimes. In the toughest situations, we can all use all the luck we can get.</p> <h3>17. Free Stuff Is the Best Promotion</h3> <p>In their ultimate last act before leaving the school, George and Fred turn Headmistress&rsquo; Umbridge&rsquo;s Hogwarts into a disaster by setting off fireworks that multiply. Everyone comments on what amazing fireworks they are. The twins use up their entire stash in order to pull the prank, which drums up business. &ldquo;It was worth it,&rdquo; said Fred, who was taking orders from clamoring Gryffindors.</p> <h3>18. Keep Your Money in a Safe Place</h3> <p>Gringott&rsquo;s Wizarding Bank, where all the Harry Potter characters bank, is the safest place on the planet since it&rsquo;s protected by goblins. In real life, keep your money in an FDIC insured bank account.</p> <h3>19. Do What You Love and the Money Will Follow</h3> <p>Fred and George love playing pranks. By the end of the Harry Potter series, the twins are no longer just selling their products around school, but they've launched their own extremely successful business,&nbsp;Weasleys' Wizard Wheezes, based on that love.</p> <h3>20. Get a Good Education...</h3> <p>The Harry Potter series follows students throughout their years at Hogwarts and continually emphasizes the benefits of getting a good education.</p> <h3>21. ...But Don&rsquo;t Be Afraid to Leave School If It&rsquo;s Not for You</h3> <p>In the final books of the series, several characters leave the school because it wasn&rsquo;t right for them at that point in their journeys. Fred and George quit school as do Harry, Hermione, and Ron. While some parents and professors are disappointed, in the end we discover that this really was the best decision for everyone.</p> <p><em>Did you notice any other finance related themes in the Harry Potter books?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/elizabeth-lang">Elizabeth Lang</a> of <a href="http://www.wisebread.com/21-personal-finance-lessons-from-harry-potter">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-15"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/free-books-little-libraries-that-build-community-and-save-you-money">Free Books: Little Libraries That Build Community and Save You Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-personal-finance-books-you-should-read">6 Personal Finance Books You Should Read</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/read-for-free">Read for Free</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-fun-and-frugal-labor-day-activities">15 Fun and Frugal Labor Day Activities</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/47-cheap-fun-things-to-do-this-weekend">47 Cheap, Fun Things to Do This Weekend</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment books harry potter money lessons Wed, 29 Jun 2011 10:36:20 +0000 Elizabeth Lang 598370 at http://www.wisebread.com